Updated: December 3, 2024
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The best car insurance in Wisconsin may differ based on individual needs. MoneyGeek awarded Acuity as the top choice for general coverage, and with the highest score for basic coverage. For families with a teen driver, Auto-Owners is the recommended choice.
For those whose main concern is cost, consider reviewing the cheapest car insurance in Wisconsin as identified by MoneyGeek's evaluations.
In Wisconsin, Acuity is the best overall car insurance provider, earning a MoneyGeek score of 93 and offering an annual premium of $664; West Bend Mutual is the runner-up.
In Wisconsin, Acuity is the top provider for minimum car insurance coverage, offering an annual premium of $259, as identified by MoneyGeek's evaluations.
In Wisconsin, Acuity is the premier car insurance provider for customer service, boasting an impressive MoneyGeek score of 92 out of 100, while Chubb follows as the runner-up with a score of 90, offering strong satisfaction and claims handling at a slightly higher annual premium.
Why Trust MoneyGeek? We created an insurance scoring system for providers in Wisconsin based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Wisconsin.
Acuity is the best car insurance company in Wisconsin, with a solid MoneyGeek score of 93. Scores across the evaluated companies vary, with a range from 93 to 62. This scoring spectrum reflects MoneyGeek's baseline scoring system. Scores may vary by driver profile, since each insurer is assessed differently based on specific driver characteristics.
How does MoneyGeek score companies?
MoneyGeek's scoring system highly values customer satisfaction and affordability when assessing insurance companies, and these aspects significantly influence an insurer's Overall MoneyGeek score. Nonetheless, the scores also incorporate the claims experience and coverages, balancing a comprehensive view of insurer performance.
Several insurers are present in the no_score dataset, indicating that they did not meet the criteria for a complete MoneyGeek score due to an inability to rate them across all five components. Notably, IMT Insurance Company excels in customer satisfaction, while Dairyland stands out for its key coverages. It's important to understand that such rankings highlight their strengths in specific areas despite the absence of a complete score.
| Acuity | 93 | $664 |
| Chubb | 90 | $899 |
| Erie | 89 | $717 |
| West Bend Mutual | 85 | $768 |
| American Family | 84 | $564 |
| Auto-Owners Insurance Co | 84 | $941 |
| Travelers | 80 | $737 |
| Western National | 79 | $1,192 |
| GEICO | 79 | $665 |
| AAA | 79 | $462 |
| Nationwide | 78 | $900 |
| State Farm | 75 | $1,183 |
| Farmers | 73 | $1,178 |
| Allstate | 71 | $1,225 |
| Progressive | 71 | $1,326 |
| Kemper | 62 | $1,639 |
| Dairyland | No Data | $2,173 |
| IMT Insurance Company | No Data | $817 |
MoneyGeek found that Acuity is the best full coverage car insurance option in Wisconsin, with impeccable service and affordability.
Acuity stands out for its superior blend of customer satisfaction and affordable premiums. Being the highest scorer, this provider strikes a balance, offering insurance at a competitively priced annual premium. Clients can expect thorough coverage options and commendable claims handling from Acuity.
In Wisconsin, motorists have a wide selection of insurance companies, each offering different levels of cost and service quality. For those interested in cutting costs without compromising on quality, MoneyGeek has also evaluated the cheapest full coverage car insurance in Wisconsin, providing additional options for budget-conscious drivers.
Ranks well in state for general customer satisfaction (2nd)
Offers rare and reasonably common coverages, ranking 2nd for key coverages in state
Does not excel in customer service with a score of 34
Cost ranks 3rd in state for affordability; average annual premium is $664
Does not offer original equipment manufacturer (OEM) coverage
Acuity's exceptional MoneyGeek Score is largely driven by impressive satisfaction and affordability scores. Acuity provides both common coverages of rental car and/or travel reimbursement and roadside assistance, reinforcing its comprehensive package. It also offers new car replacement and gap insurance, catering to those who want financial protection for new or financed cars—showcasing Acuity as a great option despite the absence of any rare coverages.
Acuity offers full glass coverage, which covers the cost of repairing or replacing all windows on the vehicle. These thoughtful options, coupled with Acuity's high satisfaction score at 34 (out of 35) and an affordability score at 28 (out of 30), make it a compelling choice for comprehensive car insurance.
MoneyGeek found that Acuity is the best car insurance option for customer service in Wisconsin.
Acuity leads in customer satisfaction and in claims handling, both critical components of the MoneyGeek score. It offers its exceptional service at a more affordable cost than its closest competitor, Chubb, making it an even more valuable pick for consumers in Wisconsin. Good customer service and reliable claims processing contribute to an insurer's reputation and can influence consumer choices when selecting or remaining with a provider.
Ranks well in state for general customer satisfaction (2nd)
Ranks well in state for claims satisfaction (3rd)
Offers rare full glass coverage and reasonably common new car replacement
Does not excel in customer service (score of 43.93)
Based on the available data, Acuity's high MoneyGeek Score is notably driven by exceptional satisfaction and claims handling, with scores of 44 (out of 45) and 28 (out of 30) respectively. Unfortunately, it does not offer rental car and/or travel reimbursement, which stands as a significant downside. However, they provide roadside assistance, a key service for emergencies. Despite missing some coverages, Acuity remains a strong choice due to its high MoneyGeek scores.
Acuity also presents a diverse range of valuable coverages, such as full glass coverage, allowing for repair or replacement of all glass on the vehicle without a deductible. The coverage package and 'gap insurance further extend its appeal. These coverages are underpinned by a robust stability score of 4 (out of 5), ensuring peace of mind alongside financial reliability.
Acuity is the best option in Wisconsin for drivers looking for car insurance that offers the minimum coverage required by law. Here are the top two providers for minimum coverage car insurance as identified by their MoneyGeek scores:
Acuity stands out thanks to its robust coverage offerings and high scores in customer satisfaction and claims handling. With a MoneyGeek score that nearly reaches perfection, it’s no wonder that Acuity is a top pick, especially considering that they provide minimum coverage for only $259 annually, which aligns with the minimum insurance required by law in Wisconsin.
While many companies in Wisconsin offer competitive rates for minimum coverage car insurance, it's important to recognize that purchasing only the legal minimum can expose drivers to significant financial risk.
Offers both reasonably common and rare discounts, enhancing savings
Ranks 2nd for cost, with an average annual premium of $259 for minimum coverage
Ranks 2nd for general customer satisfaction in the state
Doesn't rank top for claims satisfaction, ranking 3rd in the state
Acuity leads with an exceptional MoneyGeek Score, particularly in affordability (36.85 out of 40) and satisfaction (23.09 out of 25). The average annual premium with Acuity is strikingly modest, costing drivers just $259 for comprehensive coverage. Customers benefit from discounts like driver's education and pay in full, enhancing overall value.
Acuity offers the four most common discounts: bundling, good student, multiple car, and safe driving. Beyond these, Acuity stands out with a very rare new customer discount; it also has an advanced safety features discount reinforcing its commitment to incentivizing safer driving practices. Acuity's comprehensive offerings and steadfast stability score of 4.33 (out of 5) contribute significantly to its stellar MoneyGeek score.
Driver age significantly influences car insurance rates in Wisconsin, impacting cost and the coverages and discounts offered. MoneyGeek found that Auto-Owners is the best option for teens with a score of 98, offering an optimal balance of satisfaction and affordability at an annual premium of $1,177. For young adults and seniors, Acuity leads the way with scores of 93 and 94 respectively, providing competitive premiums of $948 and $666 and strong performance in satisfaction and claims handling. These tailored options cater to the unique needs of each age group.
Best for teens: Auto-Owners
Best for seniors: Acuity
Best for young adults: Acuity
MoneyGeek found that Auto-Owners is the best option in Wisconsin for car insurance for teens based on their top-notch scores. Essential details about the top two providers are:
Auto-Owners has exceptional ratings in customer satisfaction and claims handling, affirming its reputation for comprehensive support and service. It is also cost-effective, with an annual premium of $1177 for a teen policy. To obtain cheap car insurance for a teen in Wisconsin, it proves far more affordable to include a teen in a family policy than to purchase a separate one.
Adding a teen to a car insurance policy in Wisconsin, like many other states, significantly increases premiums. This rise is due to the high risk associated with insuring young drivers who statistically have a greater likelihood of being involved in accidents and making claims.
Offers good student and distant student discounts
Ranks 1st in the state for claims handling
Ranks 1st in the state for key coverages
Customer satisfaction rank is 3rd in the state
Affordability rank is 4th in the state, with an average annual premium of $1,177
Missing driver's education discount
With exceptional scores of 28 (out of 30) in affordability and a perfect 10 (out of 10) in coverage, Auto-Owners stands out with its high MoneyGeek Score. Although the company doesn't offer discounts for young drivers—such as good student, distant student or driver's education—its strong performance in affordability, claims handling and coverage options are solid compensations for families.
Auto-Owners offers rare coverages not typically offered by other insurers. For example, its diminished value coverage, which addresses the potential loss in value an automobile may suffer after an accident. This can be valuable for owners of new or higher-value cars. Accident forgiveness also ensures that your first at-fault accident won’t result in a premium increase, providing peace of mind for drivers with otherwise clean records.
MoneyGeek found that Acuity is the best option in Wisconsin for seniors looking for reliable and affordable car insurance. In the analysis of car insurance options, two providers stand out:
Acuity shines as the top provider due to its high customer satisfaction, affordability, claims handling and stability, reflecting in its near-perfect score. With an annual premium of $642 for senior drivers, Acuity exemplifies that cheap car insurance for a senior in Wisconsin is attainable, albeit marginally higher compared to the premiums paid by individuals in their middle years.
Car insurance costs for seniors are not inherently more expensive than for younger adults, with MoneyGeek's figures based on seniors in their 60s. It's prudent to note that as drivers enter their 70s and 80s, premiums may increase, reflecting the greater care and consideration insurers apply as driving capabilities evolve with age.
Offers roadside assistance, rental car and travel reimbursement
Ranks 2nd in state for general customer satisfaction
Does not rank within top 2 for affordability, ranking 3rd in the state
Average annual premium is $642
Acuity's outstanding MoneyGeek Score of 94 partly owes to its high satisfaction and affordability scores. It offers vital coverages such as rental car and/or travel reimbursement, essential for accident support. With an average annual premium of $642, Acuity extends opportunities for savings with a range of discounts, although a senior discount is not among them.
Acuity's roadside assistance can be a lifeline for seniors facing vehicle trouble, offering emergency services—towing, tire changes, jump-starts and more—ensuring help is always a call away. While covering the basics, Acuity also provides unique options such as full glass coverage and new car replacement, promoting peace of mind through enhanced protection.
MoneyGeek found that Acuity is the best option in Wisconsin for car insurance tailored to young adults, leading the scoreboard with exceptional ratings.
Acuity stands out for its superior combination of affordable rates, excellent claims handling and robust coverage options, calculated based on data for drivers in their 20s. Specifically pleasing for young adults in Wisconsin, obtaining coverage from Acuity means an annual policy cost of just $913.
Despite being the most affordable choice, it is critical to recognize that cheap car insurance for a young adult in Wisconsin is usually more expensive compared to premiums for more mature drivers. This is primarily due to the higher statistical risk associated with younger drivers, which includes a propensity for accidents and less driving experience.
Ranks 2nd in state for general customer satisfaction
Offers good student and driver's education discounts
Ranks 5th in state for cost, with an average annual premium of $913
Does not offer distant student discount
Acuity's high MoneyGeek score of 93 is chiefly a result of its exceptional satisfaction and strong affordability scoring. Acuity includes all common discounts related to young drivers such as good student and driver's education, indicating an advantage for academic achievers on the road. Moreover, the essential common coverages like rental car and/or travel reimbursement and roadside assistance are both provided.
Acuity provides auto insurance enhancements designed to fortify your standard policy. Gap insurance is also worthy of attention, safeguarding those who owe more on their vehicle than its current worth. Moreover, roadside assistance remains an invaluable service for emergency aid, ensuring help is at hand whenever vehicular trouble strikes. In summary, Acuity excels in customer service and market-competitive pricing.
MoneyGeek found that Chubb is the best option in Wisconsin for drivers with offenses on their record, offering a superior blend of affordability and customer service.
Chubb stands out for its exceptional balance of satisfaction, affordability, and claims handling scores, catering specifically to the needs of drivers with speeding tickets, at-fault accidents, and DUIs in Wisconsin. The annual premium for Chubb's car insurance is $1,028, which highlights that to get cheap car insurance as a high risk driver in Wisconsin, drivers may pay a bit more than those with clean records.
Insurance premiums tend to be higher for drivers with violations due to the increased potential for future claims. Companies adjust rates to account for this risk. In Wisconsin and other states, any infraction on a driver's record, like tickets, accidents, or DUIs, can lead to higher insurance costs.
Ranks well in state for claims satisfaction, claiming the top spot
Offers roadside assistance and rental car/travel reimbursement
Doesn't excel in customer service, with a lower satisfaction score
Ranks lower in state for cost, with an average annual premium of $1,028
Lacks accident forgiveness and new or better car replacement coverage
Chubb's high MoneyGeek Score is anchored by exceptional satisfaction (33 out of 35) and strong affordability (28 out of 30), positioning it as a top insurance provider. Chubb includes rental car and/or travel reimbursement coverage – a plus for individuals with accident histories. With an average annual premium of $1,028 and an affordability score of 28, Chubb emerges as an affordable choice for drivers who typically face higher rates due to on-road offenses. Chubb’s (OEM) coverage is a standout offering, ensuring repairs use original equipment, which can be critical following a mishap.
MoneyGeek found that Travelers is the best option in Wisconsin for drivers of new cars looking for reliable car insurance coverage. Evaluating providers based on crucial metrics, the top two companies ranked by MoneyGeek for their comprehensive offerings are:
Travelers leads the pack, distinguishing itself with its strong performance in customer satisfaction and claims handling, as well as its competitive pricing. A significant factor in MoneyGeek's ranking system is the availability of New Car Replacement and/or Better Car Replacement coverages, essential for those who recently invested in a new vehicle.
Selecting Travelers, with an annual premium of $798, might offer long-term financial benefits. Insurers like Travelers, offering New or Better Car Replacement coverage, could result in savings in the event of an accident, despite potentially higher premiums. This is because, without such coverage, a policyholder is only compensated for the current value of their car, which takes depreciation into account, potentially leading to out-of-pocket expenses for a new vehicle.
Ranks well in state for claims satisfaction, placing 1st
Ranks 1st in state for affordability; average annual premium is $798 for full coverage
Offers new car replacement coverage
Does not excel in customer service with a score of 28
Does not offer OEM coverage
Travelers earns its high MoneyGeek score chiefly through itts affordability and claims handling performance. The company offers new car replacement coverage, a boon for new car owners, providing peace of mind with additional protection as an optional add-on. The average annual premium for Travelers is $798, making it a competitive option in the market.
Additionally, with Travelers, clients can expect roadside assistance and rental car and/or travel erimbursement, addressing the essential needs of motorists. The satisfaction score of 28 (out of 35), affordability score of 30 (out of 30) and coverage score of 10 (out of 10) all reflect Traveler's commitment to providing reliable and comprehensive insurance services.
Acuity is the best option in Wisconsin for car insurance for military members, boasting the highest MoneyGeek score. The following companies have been identified as providing excellent service and value for military personnel seeking car insurance in this state:
While USAA's services are tailored for those with a military background and it offers competitive rates, based on the MoneyGeek score, which values a balance of service quality and affordability, it did not secure the top spot in Wisconsin.
Acuity stands out in Wisconsin due to its exceptional overall performance in satisfying customer needs and balancing affordability with coverage options. The biggest contributors to Acuity's high MoneyGeek score include its superior satisfaction and claims handling scores. With an annual premium of $664, it offers military members in Wisconsin a blend of budget-friendliness and robust service. For those particularly focused on rates, exploring the cheapest car insurance in Wisconsin for military drivers might yield even more cost-effective options.
Ranks well in general customer satisfaction, being 2nd in the state
Ranks 2nd in the state for key coverages, offering rare and reasonably common coverages
Does not excel in customer service with a score of 34
Ranks 4th in cost, with an average annual premium of $664
Does not offer full glass coverage
Acuity leads the rankings with its strong satisfaction score of 34 (out of 35) and affordability score of 28 (out of 30), contributing to its high MoneyGeek Score of 93. Acuity's average annual premium stands at an attractive $664. Acuity offers a suite of coverages that are valuable for a wide range of drivers. Their rare full glass coverage ensures that in the event of damage, your safety is non-compromised with complete glass repair or replacement—sans deductible. Acuity also offers new car replacement coverage and roadside assistance. Each coverage addresses key concerns: maintaining vehicle integrity, protecting against financial loss and ensuring support in breakdowns.
Wisconsin's top car insurance providers excel in affordability, financial dependability, and a longstanding history of superior customer service. MoneyGeek has meticulously evaluated these companies to simplify your selection process. However, should you decide to conduct personal research, be prepared to undertake at least four critical steps.
In Wisconsin, exceptional customer service is crucial for car insurers, as it ensures customer satisfaction and efficient claims handling. Drivers should consult independent data providers like JD Power and the NAIC for a comprehensive understanding of an insurer's performance. Acuity stands out in Wisconsin with a customer satisfaction score of 44 (out of 45) and a claims score of 28 (out of 30), according to MoneyGeek's research.
Comparing quotes is essential for Wisconsin drivers to balance cost savings with quality service. Personal research tailored to individual backgrounds can uncover the most affordable options. MoneyGeek identified Acuity as the best choice for minimum coverage in Wisconsin, with an annual premium of $259, offering a financially savvy choice without compromising service.
Coverage options are a pivotal aspect of any car insurance policy. Wisconsin drivers should assess which insurers offer coverages aligning with their needs. According to MoneyGeek, American Family is the only insurer with a perfect coverage score of 10.
Financial stability is a key indicator of an insurer's ability to pay claims. It's vital to choose a financially robust insurer to mitigate the risk of claim denial due to financial instability. MoneyGeek's research awards perfect stability scores of 5 (the maximum) to Travelers, Auto-Owners and State Farm, all of which have received the highest A.M. Best rating of A++, ensuring exceptional financial reliability.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
Acuity is also recognized as the best for cheap car insurance in Wisconsin, with an annual premium for minimum coverage at $259 and an overall MoneyGeek score of 91. While minimum coverage policies are less expensive, they offer limited protection. Consumers can find affordable full coverage policies with adequate shopping, which provide more comprehensive protection.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
